Federal Tax Estimator

Tax year 2026 · estimate only, not tax advice

1 About you Sets every limit and bracket below

Drives catch-up limits
$2,200 credit each
$500 credit each

Workplace plan coverage is what decides whether a traditional IRA contribution is actually deductible.

2 Income Gross, before anything is taken out

Gross pay before any deductions $
Interest, dividends, taxable distributions — no payroll tax on these $

3 Pre-tax payroll The big levers — hit Max to see the ceiling

Per person — still owes FICA $
Required before any HSA contribution
One limit per household — dodges FICA too $
Per employee $
One limit per household $
Medical, dental, vision premiums $

4 Other adjustments Claimed on the return, not through payroll

Deductible only below the phase-out $
Shares the HSA limit above $
$2,500 cap, phases out $

5 Deduction Whichever is larger is used automatically

6 Credits & withholding Child credits are already counted from step 1

Education, energy, foreign tax $
From your pay stub, year to date + expected $